This institution is no longer active

Operations ceased on February 13, 2023. CRA examination history below reflects the period it was active.

MONONA BANK

MONONA, WI · Supervised by FDIC

Est. 1991FDIC #33,458RSSD: FDIC-33458

Part ofLAKE RIDGE BCORP INC→ View all charters

Satisfactory Same

Current rating · Exam: January 2021

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -0.30%

Is this bank safe?

MONONA BANK holds a Satisfactory CRA rating (2021), shows financial metrics that merit closer review (ROA -0.30%). Consumers may want to review the details below before banking here.

Institution Profile

FDIC BankFind

Address

5515 Monona Dr, MONONA, WI

County

Dane County

Established

July 1, 1991

Total Assets

$1.2B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

January 1, 2021

Exam Type

Intermediate Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 5 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.

Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q4 2022Call Report / FDIC

Total Assets

$1.2B

Total Deposits

$1.0B

Net Loans

$978M

Net Income

$-3,601K

ROA

-0.30%

Below avg for Community banks. Peer avg: 0.90%

ROE

-2.95%

Risk-Based Capital

8.87%

Below avg for Community banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

ROA-0.30%Peer avg: 0.90%▼ Below avg

Risk-Based Capital8.87%Peer avg: 12.91%▼ Below avg

Mortgage Denial Rate2.63%Peer avg: 10.20%▼ Fewer than avg

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Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2023	38	86.84%	2.63%
2022	723	83.13%	4.01%
2021	1,055	76.78%	3.70%
2020	1,389	79.34%	3.38%
2019	669	83.26%	3.89%
2018	378	81.48%	6.61%

Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Community bank avg: 10.20% · above-average shown in red

Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
Jan 2021	Satisfactory	Intermediate Small Bank
Apr 2018	Satisfactory	Intermediate Small Bank
Jun 2015	Satisfactory	Intermediate Small Bank

7 previous ratings locked — back to 1992

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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